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I am sure that you have noticed that virtually every major retail chain offers its own brand of credit cards and are even willing to give you money off your purchase if you sign up for one. Be careful. These cards usually carry higher rates than the Major issuers. There is a reason they are willing to give you money off your purchase- they make more by having you sign up for the card.

And they all take "regular" credit cards as well.

 

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